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The revised rates apply to protection products including level and decreasing life cover, level and decreasing guaranteed life or earlier critical illness cover, and level and decreasing reviewable life or earlier critical illness cover.

The changes also apply to level and decreasing guaranteed standalone critical illness cover, level and decreasing reviewable standalone critical illness cover, guaranteed income protection and guaranteed mortgage income protection.

Iain Mallon, director of protection marketing at Axa, said: "This latest revision to our rates makes our income protection product even more competitive and with the recent government changes to incapacity benefit, income protection has become an even more relevant cover to have.

"Our menu-based proposition allows advisers to mix and match cover to suit their client's needs and budgets.

"The revisions to our rates will make our covers even more affordable, without compromising on quality."

For full details visit www.axa.co.uk/advisers/protection.